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Health and Dental benefits are characterized by high frequency and low to moderate claim amounts. The only way to ensure that the future claims of the members are adequately funded is to apply a trend factor to the group plan. The trend factor is a prediction of the cost of today’s claims at tomorrow’s prices. Included in trend factors are benefit utilization, inflation and offloading from the government plans.  Prescription drugs generally have the largest impact on heath plans. New drugs are constantly coming into the market place to counter new diseases and also to replace chronic use drugs. Demographics have a tremendous impact on utilization. Health care costs tend to be fairly steady until age 50, at which point, they start rising rapidly with age. Dental utilization tends to be higher for those over age 35. The inclusion of dependents increases the utilization of dental services per employee. Between the ages of 25 and 45, the averaged covered amount rapidly increases for those with dependents. As plan members age, they tend to require major dental services more often for themselves.